Bradford Financial Center

Item 5. Fees and Compensation
Financial Planning Fees
BFC generally charges hourly fees for its financial planning services. BFC may waive the hourly fee in its
sole discretion if you engage BFC for its Watch and Manage service. The hourly rate varies from $100 to
$500, depending on the number of recommendations implemented, the legal documents needed, legal
services needed, and which staff personnel’s time is required. The maximum fee for your requested
financial planning services will be set by BFC at the time you sign the advisory contract. If you terminate
your contract within five business days from when you signed it, BFC will refund all fees you have paid for
your financial planning services. If you terminate your contract after five business days of when you signed
it, BFC will refund all unearned fees to you based on the time and effort expended by BFC before the
termination. If you feel the job was done poorly, BFC will allow you to reduce the bill from its original amount
to the value you feel you have received. Your agreement terminates upon BFC’s presentation of the written
plan to you.

You may request specialized reports, reviews or services. BFC’s fees for these specialized services are
determined as follows:
    1. Trust related work: based on number of changes in registrations on securities, legal documents
       needed, legal services needed, and the expertise of staff personnel required to complete the work.
    2. Specialized consulting services: based on complexity and value added to the client as well as time
       expended. The amount of assets directed will have a bearing on the final cost.
    3. Analyzation: All fees are disclosed at the time the analyzation service is requested, are mutually
       agreed upon, and established prior to the signing of the agreement.
    4. Business Administration and Development: includes providing the client advice on matters related
       to start up and existing business administration and development. This service includes but not
       limited to specific administration and or development advice, budgeting, counseling, bookkeeping,
       inventory control, marketing, administration, supervision, special project development, and
       business planning. This fee shall be documented and agreed upon the signing of this contract.

Fees are payable at the time of signing the agreement in advance of written reports and/or consultations.
There may be exceptions to this fee agreement when mutually arranged by planner and client, but is not
encouraged. BFC will never require you to prepay fees of $1200 or more six or more months in advance of
services rendered.

Use of Outside Consultants
BFC may request that you engage, or authorize BFC to engage on your behalf, outside consultants such
as attorneys or CPAs when specialized expertise is required in the financial planning process. For example,
we may recommend that you engage an outside law firm to provide estate planning, tax planning, trust
planning, and other legal services or outside accounting firms for tax planning and other tax and accounting
services.

Additionally, if you are a business, BFC and its principals and associated persons may refer you to certain
outside pension consultants to perform actuarial or other pension-related services.

BFC will only share your personal information with outside consultants in accordance with the provisions of
BFC’s privacy notice to you. You are not obligated to implement any advice provided by, or purchase any
service presented by, outside consultants.

It is your decision whether or not to engage the services of any outside consultant, including attorney’s,
CPA’s, pension or other consultants. You should be aware that outside consultant fees or time charges will
be in addition to BFC’s fees. You are responsible for paying any fees or charges of authorized outside
consultants that you engage or BFC engages on your behalf.

Watch and Manage Service Fees
BFC’s annual management fee will range from 0% to 2% of your assets in the service, as negotiated and
agreed upon in your Watch and Manage advisory agreement. Fees agreed to in the Watch and Manage
agreement may be either (1) a fixed annual percentage applicable to all of the client’s assets under
management (“Fixed Annual Percentage Fee”), (2) calculated pursuant to a tiered fee schedule where
higher amounts of a client’s assets under management may be charged a lower fee percentage (Traditional
Tier Rate), or (3) calculated pursuant to a tiered fee schedule where all assets under management may be
charged a lower fee percentage as assets under management increase (Single Rate Qualified Tier). In no
case shall the fee on any tier of a client’s assets exceed 2% of that tier’s assets under management. One
fourth of the annual Watch and Manage fee is assessed each calendar quarter against the value of your
account as reflected on your quarterly account statement provided by your broker-dealer/custodian or, in
the case of variable annuities, product sponsor. Fees are paid in advance of services rendered at the
beginning of each calendar quarter for services to be provided in the upcoming quarter.

Additionally, as selected by you and your BFC representative on your Watch and Manage advisory
agreement:
    • Your initial fee may be based on the accounts’ initial balance and number of days left in the initial
        quarter.
    • Fees may also be assessed when you deposit additional amounts into your Watch and Manage
        account, based on the amount deposited and the number of days remaining in the current quarter.
    • BFC may charge a set-up fee of no more than 1% of the amount to be managed Under the Watch
        and Manage service. Set-up fees apply to all new dollars coming into management. Set-up fee is
        non-refundable, except that if the client terminates this agreement within 5 (five) business days of
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Item 7. Types of Clients
BFC provides services to individuals, trusts, estates, charitable organizations, businesses (e.g.,
corporations and LLCs), and pension and profit sharing plans.

BFC does not impose a minimum account size on its investment advisory accounts. Minimum account sizes
for TPIA referral and the SEI programs may vary and are disclosed in their respective disclosure materials.